Page 7 - 2020 Benefits Guide
P. 7
Chrystal Nolan, Sales Support Rep
Atlanta, GA Millwork
How will my spouse know if his/
her employer’s offer of coverage
is Qualifying coverage?
If your spouse’s employer offers health
coverage, the employer is required by
Working Spouse Exclusion from law to provide employees with a notice
Medical Coverage indicating whether the employer’s
An employee’s spouse who has access coverage meets affordability standards.
to affordable health care that provides Consult your spouse’s employer if you
minimum value (“Qualifying Coverage”, have questions about your spouse’s
as defined by the Affordable Care Act) health plan.
through another employer is not eligible
for enrollment in a Builders FirstSource Enrollment of your spouse in a medical
medical plan. This exclusion applies plan serves as certification that your
only to enrollment of your spouse in the spouse does not have access to
medical plan. You may freely enroll your Qualifying Coverage through his/her
spouse in other lines of coverage such as employer.
dental or vision.
What if my spouse or child and I
What is an offer of qualifying
coverage by an employer? both work for the company?
Your spouse is offered qualifying You may each enroll in the medical,
coverage if the medical plan offered is dental, and vision plans individually
1. “Affordable,” meaning your spouse’s as “Employee Only”, or you, or your
premium for the cost of the employee’s spouse may enroll as “Employee +
coverage does not exceed 9.78% of his/ Spouse” (or “Employee + Family”). You
her income and 2. provides “minimum cannot be enrolled as both an employee
value,” meaning the plan pays at least and a dependent. However, children of
60% of the total allowed costs provided parents who both work for the company
under the plan. can be covered by only one parent’s
plan. You cannot elect spouse life, or
spouse AD&D insurance if your spouse
is also a regular, full time employee of
the company.
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